Personal financial planning is the process of managing money to achieve personal financial stability and long-term goals.Although there is considerable research on the topic, recent economic, technological, and behavioral changes necessitate a morein-depth analysis to ensure that financial strategies, products, and policies are data-driven, effective, and responsive. Therefore,this study aims to develop a research agenda including new perspectives on personal financial planning services. To this end, we conducted a systematic literature review using the Theory- Context- Characteristics-Methodology (TCCM) framework, syn-thesizing 81 studies. Based on the gaps, a future research agenda is developed. Future research should focus on financial literacyapplications, cross-cultural behaviors, emerging technologies, and the human role in financial advising